Letter of credit clause

1. Any employee who normally pays the housing provident fund in the housing provident fund management center and buys or builds a self-occupied house within the administrative area of this Municipality may apply for a housing provident fund personal housing loan (the borrower is the purchaser and the employee who is paying the housing provident fund).

2. Valid identity documents of the borrower and his spouse;

3. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid;

4. The borrower has paid the housing accumulation fund continuously, on time and in full for more than 6 months after opening the deposit account, and has not paid it for more than 4 consecutive months recently;

5, the family income is stable, good reputation, the ability to repay the loan principal and interest;

6. Agree to provide loan guarantee approved by the housing provident fund management center;

7. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Zhengzhou Housing Provident Fund Loan Guide in Different Places

Loan materials

Yishoufang:

Zhengzhou yishoufang provident fund loan materials

Second-hand house:

Zhengzhou second-hand housing provident fund loan materials

Revolving mortgage loan:

Zhengzhou provident fund mortgage loan materials

Loan procedure

Step one:

Loan application: go through the loan formalities (forward house) or confirm the loan qualification (second-hand house, remortgage).

Step two:

Handling guarantee procedures: the borrower and the guarantee company handle the guarantee and mortgage procedures.

Step 3:

Signing a contract: the borrower signs an iou and entrusted deduction agreement with the bank.

Step 4:

Bank loan: Housing provident fund management center is entrusted with bank loan.

loan limit

loan limit

Since September 1, Zhengzhou Housing Provident Fund has partially adjusted the personal housing loan business. According to the new policy, for borrowers who meet the loan application conditions, the specific loan amount is determined according to three conditions at the same time:

1. The loan amount shall not exceed the corresponding maximum limit.

Among them, both husband and wife have paid the housing accumulation fund in Zhengzhou for more than 6 months, and if they buy a house in Zhengzhou and apply for a loan for the first time, the loan amount does not exceed 600,000 yuan; In other cases, the loan amount does not exceed 400,000 yuan.

2. The loan amount shall not exceed the prescribed multiple of the deposit balance.

That is, the amount of a single loan is determined according to the balance of the housing provident fund deposit account and the deposit time. The specific calculation formula is as follows: loan amount ≤ deposit account balance× (14-year deposit).

3. The monthly repayment amount shall not exceed 60% of the family income.

Among them, the monthly repayment amount is calculated according to the borrower's longest loan period. Family income is the sum of the average deposit base of the borrower and his spouse (or * * * someone) in the last six periods (including the deposit base of other management institutions).

Note: The maximum loan amount for purchasing the first home is 600,000 yuan, which is not linked to the deposit balance.

Zhengzhou provident fund loan new policy: the first home loan amount is not linked to the balance.

4. For urban loans, the borrower's unilateral deposit status meets the conditions of Zhengzhou housing provident fund loans, and the maximum single loan amount does not exceed 400,000 yuan. The deposit of both husband and wife also meets the conditions of Zhengzhou housing provident fund loan, and the maximum single loan amount does not exceed 600,000 yuan.

5, in the street branch, county (city) management department loans, the maximum loan limit of 400 thousand yuan.

loan rate

The annual interest rate of loans with a loan term of less than 5 years (including 5 years) is 2.75%.

The annual interest rate of loans with a term of more than 5 years is 3.25%.

deadline

1, with a maximum loan term of 30 years;

2. When buying a second-hand house that has not been built for more than 20 years, the longest loan period is 20 years, and when buying a second-hand house that has been built for more than 20 years. Maximum loan term 15 years;

3. The loan term can cover 5 years after the borrower's statutory retirement age (if there is a senior professional title, it can be extended for another 5 years within the longest loan term).

Zhengzhou provident fund loan conditions

1. Valid identification of the borrower and its spouse;

2. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid;

3. The borrower has continuously and normally paid the housing accumulation fund for more than 6 months (inclusive), and the amount not paid recently has not exceeded 4 months;

4, the family income is stable, good reputation, the ability to repay the loan principal and interest;

5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;

6. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Second, the provident fund loan processing process

The handling of provident fund loans is as follows: the borrower applies for a loan at the loan bank and submits relevant materials; After accepting the application, the bank will review and send the borrower's application materials to the local housing provident fund management center; The provident fund management center has been approved and notified to the handling bank; Sign loan-related contracts, handle mortgage registration procedures at the same time, and send the loan contract to the provident fund management center for review; Review loans issued by banks as required. According to Article 25 of the Law "Regulations on the Management of Housing Provident Fund", if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Third, how to apply for provident fund loans is convenient and simple. Let me teach you.

You can apply for housing provident fund loans in different places. Process of applying for housing provident fund loan in different places: If employees pay in the place of employment (deposit place) and buy self-occupied housing in the place of household registration (loan place), they can apply for personal provident fund or rental loan from the provident fund management center of the loan place with the proof of provident fund payment. When accepting the approval of housing provident fund loans in different places, the housing provident fund management center at the place of deposit shall issue relevant materials such as the deposit of local housing provident fund and the loan certificate of employees and their spouses. The materials required for handling provident fund loans in different places are: 1, application approval form (stamped with the official seal of the unit) (3 copies); 2, the applicant's family and social relations questionnaire (3 copies); 3. Copy of the house purchase contract (3 copies) for the record; 4 copies of the applicant's and spouse's ID cards (3 originals); 5, employee housing provident fund deposit and loan certificate (3 copies); 6. The applicant shall provide a copy of the ID card and contact telephone number of the permanent contact person who lives in the administrative area and deposits the housing accumulation fund in the center (3 copies); 7. Copy of marriage certificate (if unmarried or divorced, proof from the civil affairs department where the borrower is registered) (3 originals); 8. The monthly salary certificate stamped by the borrower and spouse (if the monthly salary is more than 5,000 yuan, please provide a detailed list of the salary of the last three months stamped with the official seal of the unit) (3 copies); 9 copies of the down payment receipt (3 copies); 10, personal credit business authorization (fill in at the counter, one for husband and wife); 1 1. Credit report inquiry application form (filled in at the counter, one for husband and wife). In addition to the above information, the lender shall also provide appraisal reports (3 copies) when purchasing second-hand houses in different places.

4. I plan to apply for a provident fund loan to buy a new house. I don't know how to operate. What's the loan interest rate?

Wuhan provident fund loan process is relatively simple, the applicant can apply for a loan at the bank with the required information. Down: loan 1 to 5 years, with interest rate of 2.75%; The loan term is 6 to 30 years and the interest rate is 3.25%.